Opus was Citi sold to 1st Credit - Now a default

[Guest]

thats a duff (more than demin) def notice anyway

as said, cant be defaulted twice for the same.

plus, they say in it that they 'believe you werent sent a dn when required'. if thats the case, then all thats gone on shldnt have...

and, they said that they didnt notify you of their intent to register a default as required.

they cant have it both ways

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?470204-Opus-credit-card.-Default-registered-(debt-of-£0)-but-no-notice-given.&p=4952998#post4952998

 

seems like it could simply be an admin error

 

you appears not to be the only one.

 

dx

[manxie]

Sorry to resurrect this but I am still trying to get the default removed

1st Crud just keep sending silly replies.

 

 

Now they are have sent a screenshot of the comms log from Opus which they are using as evidence that the default was issued.

 

As I had written to Opus and told them that I could not afford more than £25 per month due to my ongoing divorce I thought they should have accepted the payment and not apparently defaulted the account.

[dx100uk]

but you still defaulted so its correct?

the date on your file should be the third short payment date.

 

 

so you should have that info in your sar

so can prove what 1st are saying too.

[manxie]

but you still defaulted so its correct?

the date on your file should be the third short payment date.

 

 

so you should have that info in your sar

so can prove what 1st are saying too.

 

In the latest letter they have sent states: 'Opus previously understood they had issued a default notice on the 4th December 2012. This corresponds to the 30th April on which they registered their default'

 

 

I have only done a cca request so far.

 

Thanks

[dx100uk]

you should have sar'd them last november 2012

 

information gathering is the key here

 

PROVE things rather than speculate.

 

dx

 

 

and a further 7 times in this thread but you still never sent one..:frusty::frusty:

[manxie]

Fair point dx. SAR now sent.

Thanks

[manxie]

After recently sending in my SAR to Citi Cards, I have received an amended default notice from Opus. This default is now dated 21st March and says I have until April 11th to pay the arrears. Confusion reigns. All advice gratefully received. Thank you.

[dx100uk]

Doesn't matter the sar will tell us the truth

[manxie]

Citi Cards AKA Canada Square Operations have replied to my SAR and say they cannot process it as my name address does not match the details they have stored on their system, even though I gave them my previous address.

 

They are asking for documentary evidence of a change of name and address.

 

Well my name has not changed

I will send them a utility bill.

 

Are they allowed to do this as it postpones the reply by up to another 40 days.

[dx100uk]

Did you not send a ctax copy as the sar thread advises??

[manxie]

No I am afraid I did not

[dx100uk]

then you cant complain...when you comply to the SAR rules

then the 40 days starts ..

 

 

but as we've been after you doing this 7 times since april 2015 another 40 days is no real problem